Natural hazards · Blum

Blum, TX natural hazards

Most of the natural-hazard damage FEMA expects in Blum comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1989. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Blum?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Blum to be higher than in 58% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding24%Tornadoes21%Everything else17%

By hazard

What Blum faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

38% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Inland flooding

24% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Blum flood?

Every paid claim on a federal flood insurance policy in Blum, from FEMA’s records.

7paid claims since 1989

$111Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Blum isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hill County.

Disasters that hit Blum

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Blum itself: aid to households, or repair grants to the Town of Blum.

Brought FEMA money into BlumDeclared for Hill County only

2021

Severe Winter Storms

11 households applied for aid $7K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$10K to the Town of Blum for repairs

Hill County has had 20 natural disasters declared since 1953, most often severe storms and fires.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Blum is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Blum’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Blum. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.